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Copyright Copyright 2006 Business Literacy Institute, Inc. All rights reserved No part of this publication may be reproduced, stored in or introduced into a retrieval system, or transmitted, in any form, or by any means (electronic, mechanical, photocopying, recording, or otherwise), without the prior permission of the publisher. Requests for permission should be directed to permissions@hbsp.harvard.edu, or mailed to Permissions, Harvard Business School Publishing, 60 Harvard Way, Boston, Massachusetts 02163. First eBook Edition: January 2006 ISBN: 978-1-4221-4814-3 Karen dedicates this book to her husband, Young Riddle, whose love and support are immeasurable, and to their daughter, Marie, who reminds us daily of the joy in the world. Joe dedicates this book to his wife, Donielle, and to the seven Js—Jacob, Jordon, Jewel, James, Jessica, Jonah, and Joseph Christian (JC). CONTENTS Copyright Preface: What is Financial Intelligence? PART ONE THE ART OF FINANCE (AND WHY IT MATTERS) 1. You Can’t Always Trust the Numbers 2. Spotting Assumptions, Estimates, and Biases 3. Why Increase Your Financial Intelligence? Part One Toolbox......

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